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This past year marked a significant milestone for TheJudge Group: 25 years dedicated exclusively to litigation risk insurance. As we close that year and step into our 26th, it’s a moment to pause and reflect on what a quarter century in this specialised market has taught us.

Clients who can afford to litigate are increasingly reluctant to leave substantial legal fees fully exposed to risk. This article explores how insuring a client’s own legal costs can offer a pragmatic middle ground between self-funding and litigation funding in high-value commercial disputes.

It’s fair to say that 2025 has been a turbulent year for the U.S. litigation finance and insurance market. The industry, once seen as a niche financial instrument, found itself under intense scrutiny as legislative, underwriting and market forces collided to reshape the risk landscape.